₹25 lakh health cover, ₹12 lakh bill but only ₹5 lakh paid: How ‘Reasonable & Customary Charges’ can cut your claim

A health insurance policy with a high sum insured may still leave you paying a sizeable amount if the insurer applies deductions to individual hospital charges. The “reasonable and customary charges” clause is one such provision that can reduce the final claim payout when treatment costs are considered excessive.